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This Medigap cost comparison chart puts the main plans on one page. The average Medicare Supplement premium across all plans is $149.50 a month in 2026. Plan G averages $165.85 a month at age 65 and Plan N averages $122.98, while the grandfathered Plan F averages $220.14, according to MedicareSupplement.com’s published premium averages.
Medigap benefits are standardized by federal law. A Plan G from one carrier covers the same items as a Plan G from any other carrier, so price is the main difference between policies with the same letter. That makes a cost chart genuinely useful here, in a way it rarely is for other insurance. The figures below come from published 2026 premium averages; your own quote will move with your state, ZIP code, age, and health.
How much does Medigap cost on average?
Medigap costs $149.50 a month on average across all plans in 2026, and the plan letter you pick moves that figure more than any other single factor. Plan G and Plan N, the two letters open to most new buyers, sit near $166 and $123 a month at age 65. High deductible versions trade a deductible of about $2,950 for premiums a fraction of the standard price.
Remember what sits underneath every Medigap premium. You keep paying the standard Part B premium, $202.90 a month in 2026, on top of the supplement. Medigap then fills the gaps in Original Medicare: the Part A deductible, the 20 percent Part B coinsurance, and similar charges. Our explainer on Medigap plans A through N covers what each letter pays, item by item.
Medigap cost comparison chart by plan and age
The chart below compares average monthly premiums for the three most held plans at five ages. Plan F is closed to people who became eligible for Medicare on or after January 1, 2020, so it appears here for existing holders comparing a switch. Figures are national averages published by MedicareSupplement.com for 2026.
| Age | Plan G average | Plan N average | Plan F average |
|---|---|---|---|
| 65 | $165.85/mo | $122.98/mo | $220.14/mo |
| 70 | $181.41/mo | $139.42/mo | $213.62/mo |
| 75 | $205.12/mo | $165.30/mo | $244.89/mo |
| 80 | $251.92/mo | $185.48/mo | $294.99/mo |
| 85 | $266.87/mo | $218.73/mo | $321.64/mo |
Read the G and N columns together. At 65 the gap is about $43 a month, or roughly $516 a year. Plan N buys that saving with copays of up to $20 for office visits and $50 for emergency room visits that do not lead to admission, and it leaves Part B excess charges with you. Our head to head on Medigap Plan N vs Plan G works through which letter costs less over a full year of real doctor use.
What do the other Medigap plans cost?
The remaining plan letters cost less because they cover less, or because they share costs with you. Published ranges for a 65 year old run from about $40 to $80 a month for high deductible Plan G up to $150 to $250 for Plan F. Plans K and L pay only 50 or 75 percent of most gaps and carry an annual out of pocket limit, which holds their premiums down.
| Plan | Typical range at 65 | Why the price sits there |
|---|---|---|
| Plan G | $120 to $200/mo | Covers every gap except the Part B deductible of $257 in 2026 |
| Plan N | $90 to $160/mo | Most gaps; small copays; no excess charge cover |
| High deductible Plan G | $40 to $80/mo | Same cover after a deductible of about $2,950 in 2026 |
| Plan F | $150 to $250/mo | Covers the Part B deductible too; closed to new eligibles since 2020 |
| Plan K | $50 to $100/mo | Pays 50% of most gaps, with an out of pocket limit |
| Plan L | $70 to $130/mo | Pays 75% of most gaps, with an out of pocket limit |
Age pushes every row up. Our breakdown of Medigap Plan G costs by age shows how the most popular letter climbs between 65 and 85, and why the rating method a carrier uses matters as much as the starting price.
Why do quotes for the same plan letter vary so much?
Quotes for the same Medigap plan letter vary because carriers price the identical benefit package with different rating methods, discounts, and local cost assumptions. Attained age policies start lower and rise as you age. Issue age policies price you at the age you buy. Community rated policies charge everyone in an area the same. State rules add another layer, and premiums in states like New York run well above the national averages in the chart.
Household discounts, tobacco use, and the carrier’s own claims experience in your state all feed the final number. Since the benefits cannot differ, shopping the same letter across at least three carriers is the single most reliable way to cut the premium. The cover is identical by law. Only the price and the carrier’s record on rate increases change.
How do you use this chart to shop?
Use the chart to pick a letter and a budget band, then get quotes for that one letter from several carriers in your ZIP code. Decide between Plan G and Plan N by how often you see doctors: frequent visits eat Plan N’s premium saving through copays, while light use keeps it ahead. Weigh high deductible Plan G if you are healthy and can hold the deductible in savings.
Timing matters as much as price. Your six month Medigap open enrollment window, starting when you enroll in Part B at 65 or later, guarantees acceptance with no health questions. Miss it and most states let carriers underwrite you. If you are weighing a supplement against the other route entirely, our comparison of Medicare Advantage vs Medigap lays out the real trade off before you commit.
Key takeaways
The average Medigap premium is $149.50 a month in 2026. Plan G averages $165.85 at 65, Plan N averages $122.98, and Plan F, closed to new eligibles since 2020, averages $220.14. Benefits are standardized, so the same letter should be bought on price, rating method, and the carrier’s history of increases. Add the $202.90 Part B premium to every figure before you judge what Medicare will really cost you each month.
Frequently asked questions
What is the cheapest Medigap plan in 2026?
High deductible Plan G is usually the cheapest route to full gap cover, at roughly $40 to $80 a month at age 65, in exchange for a deductible of about $2,950 before the plan pays. Plan K is also cheap at about $50 to $100 a month, though it pays only half of most gaps until you reach its out of pocket limit.
Why is Plan G more expensive than Plan N?
Plan G pays more. It covers Part B excess charges and leaves you with no copays at the doctor or the emergency room. Plan N skips excess charge cover and charges copays of up to $20 for office visits and $50 for ER visits. At age 65 that difference is worth about $43 a month in average premiums.
Does Medigap cost more as you get older?
Usually, yes. Average Plan G premiums rise from $165.85 a month at 65 to $266.87 at 85 in the published 2026 averages. How fast yours climbs depends on the rating method. Attained age policies rise with age by design, while issue age and community rated policies rise mainly with medical inflation and carrier rate filings.
Can you change Medigap plans later to save money?
You can apply to switch at any time, but outside protected windows and certain state rules, the new carrier can ask health questions and decline you or charge more. A lower premium on the same letter is real money, since benefits are identical. Our readers in states with birthday rules or continuous open enrollment have an easier path than most.
What does Medigap not cover that adds to your cost?
Medigap does not cover prescription drugs, dental, vision, hearing aids, or long term care. You buy a Part D drug plan separately, and dental and vision usually mean standalone policies or paying cash. Budget for those alongside the premium in the chart, plus the Part B deductible of $257 a year that every plan except the grandfathered Plan F and Plan C leaves with you.
